Car Insurance in Spain Made Simple
Tailor coverage
Choose the coverage that best suits you
Driving in Spain requires the right protection. At Viva Finance, we help residents and non-residents explore and compare car insurance options available in Spain.
While we are not an insurance provider, we can recommend trusted insurance companies and connect you with providers that match your needs and budget.
Our team helps you understand the different coverage options, explains the requirements, and guides you toward the policy that best suits your situation.
Third-party
This is the minimum legal requirement in Spain. It covers damage you cause to other people and their property, including injuries and damage to other vehicles or objects. However, it does not cover any damage to your own car if you're at fault in an accident.
- Compulsory + voluntary civil liability
- Windscreen breakage
- Travel support from the first kilometre
Extended Third-party
Includes everything in the basic third-party policy, plus extra coverage such as theft, fire, glass or windshield damage, and roadside assistance. This is a good option if your car is a few years old, but you still want broader protection.
- Theft and damage due to theft
- Damage due to fire
- Damage caused by animal collisions
Comprehensive
This is the most complete policy. It includes damage to your own vehicle, even if the accident was your fault. It’s the preferred option for newer or high-value cars, and it can often be taken with or without a deductible. A higher deductible usually means a lower premium.
- Own damage repair guarantee
- Processing of fines and appeals
- Excellent workshops with premium services
Car Insurance in Spain
Getting reliable car insurance in Spain is essential whether you are a resident or a non-resident. At Viva Finance, we help you explore car insurance options available in Spain by connecting you with trusted insurance providers.
We are not an insurance company and we do not provide insurance advice or issue policies. Instead, we can introduce you to insurers so you can request quotes and review available coverage options, from basic third-party policies to comprehensive plans.
Our team offers bilingual assistance to help facilitate communication with insurance providers and make the process easier for international clients arranging car insurance in Spain.
This helps you save time, avoid confusion, and connect with suitable insurance providers for your vehicle and budget.
Frequently Asked Questions: Car Insurance
What documentation I need for my car insurance
To insure your car, a questionnaire must be answered with the following information; such as the exact model of the car, the registration date, the driver’s license issue date, the policy number of the previous insurance (if you transfer from another company) or the bank account number from which the premiums can be directly deposited. It is therefore recommended that you have the following documentation in hand:
- Driver’s license
- The vehicle registration document
- Documentation from your previous insurance
- A receipt from the bank and/or your credit card, for bill payments
What types of car insurance can I take out?
If you are thinking about taking out a car insurance and aren’t clear about the options available, the types of insurance that Allianz offers are summarised below:
- Third-party car insurance with assistance: if you want simple insurance coverage at the best price
- Extended Third-party car insurance: if you want your car to be protected against theft, weather damage and fire
- Comprehensive: The most complete coverage in which you will not need to worry about anything other than driving your car
Can I take out insurance for my car if it is in the process of changing from international registration to Spanish registration?
Yes, if you have started the process to change your international license plate to a Spanish one, you can take out your car insurance with the provisional one.